商家采用移动支付的推动因素和抑制因素

E. Y. Afeti, J. Amanfo
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引用次数: 0

摘要

商家采用移动支付促进了新的商业模式,并改变了商家经营实体业务的方式。尽管采用移动支付对商家有好处,但他们仍然对采用移动支付犹豫不决。因此,本研究试图通过案例研究定性地探讨商家采用移动支付的推动因素和抑制因素。该研究发现,商家采用移动支付是为了促进新的商业模式,促进传统中介机构的去中介化,为他们的业务增长提供不同的可能性,并降低交易成本。尽管商家认为,移动支付的采用和使用提高了他们业务的运营效率,但仍存在欺诈行为,特别是在点对点转账领域、数据泄露、数据安全和隐私问题方面。因此,移动支付服务提供商必须加强有关隐私保护的技术问题,以增强对移动支付采用的信任。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Enablers and Inhibitors of Merchant Adoption of Mobile Payments
Merchant adoption of mobile payments is facilitating new business models and changing the way merchants run their brick and mortar businesses. Despite the advantages of mobile payment adoption to the merchant, they still hesitate to adopt mobile payments. Thus, the study seeks to explore qualitatively through a case study the enablers and inhibitors to merchant adoption of mobile payments. The study identified that merchants are adopting mobile payments to facilitate new business models, to promote the disintermediation of traditional intermediaries, to offer different possibilities of growing their businesses, and to reduce transaction costs. Even though merchants believe that mobile payments adoption and use improve operational efficiency to their businesses, there are instances of fraud, particularly in the peer-to-peer transfer sector, data breaches, data security, and privacy concerns. Therefore, it is imperative for service providers of mobile payments to enhance technological issues regarding privacy protection that could enhance trust towards mobile payment adoption.
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